# ATLANTIC CITY POLICE
Northfield, NJ · NCUA charter 3420 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/atlantic-city-police-3420

Who the members are: federal charter, government (single sponsor), organized 1939. 253 members of 759 potential (33.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.1M |
| Members | 253 (-4.5% YoY) |
| Full-time staff | 0 |
| Net worth | $435,680 |
| Net worth ratio | 20.9% (p77 of band) |
| ROA (annualized) | 1.29% (p80 of band) |
| Total delinquency | 0.96% (p61 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 17% (p4 of band) |
| Cash / assets | 21.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.67% (p42 of band) |
| Operating expense / assets | 2.48% (p19 of band) |
| Vehicles % of loans | 16% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 84% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 33% |
| Average share balance | $5,006 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $3,634 |
| Loans granted, annualized | $114,000 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 4 | net worth falling, losing money, charge-offs p90 |  |
| 2016-12 | 2 |  | delinquency 2x band, charge-offs p90 |
| 2017-03 | 6 | margin squeeze, charge-offs p90, members leaving, loan book shrinking |  |
| 2017-06 | 5 |  | charge-offs p90 |
| 2017-09 | 6 | delinquency 2x band, charge-offs p90 | net worth falling |
| 2017-12 | 3 |  | margin squeeze, members leaving, delinquency 2x band |
| 2018-03 | 5 | delinquency 2x band, delinquency rising, assets shrinking | loan book shrinking |
| 2018-06 | 5 | net worth falling, loan book shrinking | charge-offs p90, delinquency 2x band |
| 2018-09 | 3 | delinquency 2x band | delinquency rising, assets shrinking, net worth falling |
| 2018-12 | 4 | delinquency rising, members leaving | delinquency 2x band |
| 2019-03 | 2 |  | losing money, delinquency rising |
| 2019-06 | 2 | assets shrinking | loan book shrinking |
| 2019-09 | 0 |  | members leaving, assets shrinking |
| 2019-12 | 1 | assets shrinking |  |
| 2020-03 | 0 |  | assets shrinking |
| 2020-06 | 2 | net worth falling, charge-offs p90 |  |
| 2020-09 | 1 |  | charge-offs p90 |
| 2020-12 | 3 | margin squeeze, loan book shrinking |  |
| 2021-03 | 4 | losing money |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 2 |  | net worth falling, loan book shrinking |
| 2021-12 | 3 | assets shrinking |  |
| 2022-03 | 3 | members leaving | margin squeeze |
| 2022-06 | 4 | charge-offs p90 |  |
| 2022-09 | 3 |  | losing money |
| 2022-12 | 2 |  | charge-offs p90 |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 2 |  | members leaving |
| 2023-12 | 2 | members leaving | delinquency rising |
| 2024-03 | 1 |  | members leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | assets shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | margin squeeze |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | delinquency rising, members leaving |  |
| 2026-03 | 4 | loan book shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-28 [ATLANTIC CITY WOMAN CHARGED WITH THEFT BY DECEPTION, FORGERY AND BAD CHECKS Ocean County Prosecutor Bradley D. Billhimer announced that on July 28, 2026, Shiela Harvey, 59, of Atlantic City, was charged with two counts of Theft by D - facebook.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOVFAtWHUwWThIcHZOYUhfblY4T00zU0xEWG1ObHFLcy0zcE10ZnBOekpxSXI2LVMxbnUzNTBRcXZMZktnZXRwbzJlbVNNWUhIUEdHVEdFNmtlbkhYUUlvQlYyQ0FmT3BfcTdkVUVLOHMyQzdNWmZsbU5PV0o5WF9PbkU1RmhnN05KQ1lxd2lWVW1zaXBwajFjcVVxYmlQSVdKU3J2d3prS0czV1RyN2VHZy1OeV9aSmNLd0JDX1hrZk1oaDhzQl8wcWV6TllVMmY1VVE?oc=5) · facebook.com
- 2014-08-12 [4 Hurt in 2 Atlantic City Shootings - NBC10 Philadelphia](https://news.google.com/rss/articles/CBMigAFBVV95cUxNTmxFSkZhX2kzR0dHMmJYWjlaU0NMZzVFazNZWnFQVkp6N0xzOWhWMWl4SFc4Vm1JV3ZxSXg0YjhYcXE2dnJjRkRudGwwUnBRNERmaG81bm5jYVJHelVVU09LNmJ1MS1wY2FLMWJjc2RRQVBIU0pWZnNLU1hvREFLc9IBiAFBVV95cUxPdVZHVEJYR2pUMmYteUpUcURVTUR6WGNqeUNVSW5OTzhGSmVDN0U1XzhrU0YtR0pJVkhTTkthZklVamx4SERlUlZSSklVVUlMS3AyUmpaN01aR0FrVnpualF2UFk2ZDQ2WUthRkk1NGh1NUFzMEg4REJ4bnRQeEZuSkFYZW53c0lI?oc=5) · NBC10 Philadelphia
- 2021-10-26 [Frank Calabrese Obituary (2008) - Atlantic City, NJ - The Press of Atlantic City - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQTlZ6MTJzejVhZHZqV09MQ0NrSTJEZDZ2U19RODhLTmNjQUJNTW42WE1tOGVycGtyV2ZoSUNsZFJ2MVlNSHQ4dGM2SnRaTkVfZTMzUFF4NXpmanRGb3lWN0JzNlc3N2Jhd3JIS3lvaGlOQUJpb0EzS3c4TEFTc3FMV1k2LWFXX0FxYk1QVGxmUWNWeHJXajBJeFl4VXZpOFE?oc=5) · legacy.com
- 2017-05-07 [Good Samaritan Rescues Woman After Car Crashes Into Water in Atlantic City - NBC10 Philadelphia](https://news.google.com/rss/articles/CBMirAFBVV95cUxQc2ZXbW9yNUlLbmx3Z2JyeDlGTzhCT2VEQjZVMnVaMnNGU29YVnlWcFRvUmxXdm5admNwcHprMnVac0tkc1RELXBWT1BrcndMcHdPNVQyc0VTMEhXX21mR1FweU1VeUlzSHpVeEdRNVVudTFHNjkxMUxLWXhXaGYxMGpncnQ2Z1BadWN3clQ5Mk9VTXNKLXM1VjJ2dG5fUk1EUC1BOW5TQUV0MHFM0gG0AUFVX3lxTE93UUpQUmh1WkRXT2ZDUzdYU0tnTlIzdDVjR3gxY2tBVTVYVmxnYWsxem1hUThGS05weUNRZWhaUDJ1SFFIcFRkbFY4WUNZT1JtYXN6dWJnc2h4Vlc0VDVmOHptbXJDak92Zmk5ZXU2OXF5SGhlWk9kakljRUN5d1BJUkwzRUNjblBvMU4xT3dlV2ZpLVhfZGtkTzRFdnAySHlQcHliSU1HS2hMclNPR3p2TlpMMQ?oc=5) · NBC10 Philadelphia
- 2011-10-14 [Deer Killed by Atlantic City Police - NBC10 Philadelphia](https://news.google.com/rss/articles/CBMilwFBVV95cUxQWW1TblhESTlGdFJ0Q081SG5VTjFTUjctZ25OY0lKOVBGcDV3WW9XSThiSjlGcVdCTm5VMjZHZnBxQzluXzV6ZFo3YWZnT3pScDF2Sm1UZU8xSTZ0RVBLSm5QdFJqa09vVk1Tb1kzZHJKblh6Z0RwU0VMRHdybVVFemtEVDBzdzRDREJCa01CVndETXc2dU9z0gGfAUFVX3lxTFBGVTZMQW9XNU5hQmk5d0tiVmN2eGRVTlVpSXhManVrdktUOTRXdWtoaDEwUGllU3UyNGZhSjQ0VGp5STE2cThXZExjQWRsMGR4b0tJV1FldGY3WlBBbjNqX0hfdXVQU2RwUGNMaHkxNjRBR21FRjA0VC1MdlhRNGh4ckM5N0F5WTdfNzgxZm5jbU05QUs0VDk0NVdXd0d6Yw?oc=5) · NBC10 Philadelphia

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3420 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/28.json (key "3420", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=3420
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide